Not going to argue anything but I am a computer builder, less now than before, but you will never use anywhere near 16 gigs of memory unless you were running terrabyte servers. There's at least 10 gigs of memory that you paid for that even 64 bit Windows can't utilise.
So it's false economy.

If you run 64 bit Office, Windows and database applications then it's worth going 64 bit, otherwise, 64 bit is pretty much a waste, as Windows will only allocate 64 bits to the programs that can use it.

16 gig is really for storage centres and high end servers that run high loads and operating systems like Server 2012 that can use this memory and are built to allocate it correctly.

Anyway, horses for courses and all that. The point is that a very fast and effective system upgrade is affordable providing you read up on the specifications of the hardware rather than the hyped up promotional material.

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